BUDGET & CREDIT COUNSELING

Are you having difficulty paying rent?

If you are having difficulty paying rent, or you are being denied housing due to credit, let our knowledgeable staff get you back on track free-of-charge.

Pre-Purchase Counseling

This is a great option for anyone who is not currently a homeowner but would like to purchase a home in the future. No matter where you are in the process of preparing to buy a home, we can help you make sure you are on the right track.

Pre-purchase counseling can cover a lot of topics and help with a lot of different things depending on your individual situation.

If you have just started thinking about homeownership, or if you know you may have some hurdles to jump before you will be ready for home purchase, we can help you:

Decide if homeownership is the right choice for you

Work to get control of your credit score

Create a budget to help build your savings

If you are prepared for home ownership but would like help deciding the best course of action to fit your situation, we can help you:

Navigate the first practical steps toward finding a lender and purchasing a home

Figure out the next stages after pre-approval

If you are ready to purchase a home, we encourage you to consider taking our Home Buyer Education classes, which can qualify you for a grant from MaineHousing, or even benefits from your lender!

Services for Homeowners

If you are already a homeowner, but are trying to get ahead of your savings and stay current on your mortgage, we can help you:

Create a budget

Manage your credit score

If you are concerned that you might miss a mortgage payment or if you have already missed one or more payments, we also offer Foreclosure Counseling Services that can help you manage your finances and your mortgage to help you keep your home!

Services for Current Avesta Housing Residents

If you are in danger of missing rent payments or sometimes have difficulty making ends meet around the first of the month, we can help you create a budget for your household.